Credit Hire Vehicle
Serving Since 2008 | No Upfront Cost | Available Nationwide
Credit Hire Company
Your Replacement Vehicle, Recovered from other side
If you’ve been involved in a road traffic accident that wasn’t our fault, Royal Claims provides a like-for-like credit hire vehicle at no cost to you. We recover our charges directly from the at-fault driver’s insurer.
What is a Credit Hire Company
A credit hire company provides a replacement vehicle to someone who has been involved in a non-fault road traffic accident, without asking them to pay anything upfront. The cost of the hire is recovered later on credit from the at-fault driver’s motor insurer.
At Royal Claims, we act as your accident management company. When your vehicle is damaged or off the road following an accident that wasn’t your fault, we step in immediately to:
- Provide a replacement vehicle of a similar type and class to your own
- Arrange an independent engineer’s report to assess the damage to your vehicle
- Refer you to an appointed solicitor for your personal injury and vehicle damage claims
- Recover our credit hire charges from the third-party insurer as part of your overall claim
You remain on the road. We handle the paperwork. The other side’s insurer pays.
From your call to settlement — here's what happens step by step.
How Our Credit Hire Process works
Step 1 — You Contact Royal Claims 📞 Call us on 0121 373 7777 or start your claim online. We take the details of your accident, establish that it was not your fault, and confirm you need a replacement vehicle.
Step 2 — We Deliver Your Credit Hire Vehicle 🚗 We provide a like-for-like replacement vehicle on a credit hire basis. Whether you drive a standard car, an MPV, or a private hire taxi, we match the vehicle to your needs. No deposit, no upfront payment.
Step 3 — Vehicle Damage Assessment 🔧 We arrange for an independent engineer to inspect your vehicle and produce a report. Depending on the outcome, your vehicle is either repaired or settled as a Pre-Accident Value (PAV) write-off. Our appointed solicitors can also assist with vehicle damage recovery.
Step 4 — Solicitor Referral & Personal Injury Claim ⚖️ We refer you to one of our appointed solicitors on a No Win, No Fee basis. They manage your personal injury claim, arrange your medical examination with an accredited medical examiner, and negotiate your compensation.
Step 5 — Recovery of Hire Charges 💷 Our solicitors recover our credit hire charges from the third-party insurer or their appointed solicitors (such as Keoghs LLP or similar firms). To support recovery, we provide all required impecuniosity documentation — confirming you could not have funded a hire vehicle independently — which is essential for the at-fault insurer to meet our hire invoice in full.
Step 6 — Your Claim Settles ✅ Once your personal injury compensation, vehicle damage, and credit hire charges are all agreed, your claim settles. You receive your injury compensation in full. Our hire costs are paid separately by the third party.
We help non-fault accident victims across Birmingham and the UK.
Who Do we Help
Card 1: 🚘 Private Car Drivers If another driver hit your vehicle and it wasn’t your fault, you’re entitled to a replacement car while yours is repaired or written off. We provide it immediately.
Card 2: 🚕 Taxi & Private Hire Drivers Loss of earnings is a real financial impact for self-employed drivers. We provide like-for-like private hire replacement vehicles so you can keep working while your claim is processed.
Card 3: 🏍️ Motorcyclists Motorcycle accidents can leave you without transport and facing serious injuries. We provide replacement vehicles and refer you to specialist solicitors experienced in motorcycle accident claims.
Card 4: 🚐 Van & Commercial Vehicle Drivers Non-fault commercial vehicle accidents affect your livelihood. We work to provide suitable replacement vehicles and recover all associated costs from the third-party insurer.
Card 5: 👨👩👧 Passengers & Pedestrians Even if you weren’t driving, you may be entitled to support with your personal injury claim. We refer you to solicitors who manage non-fault injury claims on a No Win, No Fee basis.
Card 6: 🔄 Referred Clients We accept referrals from solicitors, garages, and other accident management partners. If you have a client who needs credit hire or accident management support, contact us directly.
